concern with this rush to regulate. i think, and i think you would agree with this, the united states, if we're going to remain the economic superpower, we have to be the financial capital of the world. we have to be the place where the deals get done, where we have the most efficient capital markets, and here's where i disagree with you, ali. i think this massive push to impose new regulations on our financial institutions is not going to make them safer. i think what you're going to see is a lot of this the business moving to tokyo, to london, to beijing, to places that -- >> sure, regulation has got to be smart. let me ask you this. do we agree -- is this a nonpartisan issue even in america that it's dangerous to have too many, too big to fail financial institutions? >> you know, that's a very tough question. we've been struggling with that at "the wall street journal" editorial page. because we have created this sense, in the market, that these large insurance companies, these large banks, these large brokerage firms have become too big to fail. and that, therefore, they have this